Empowering financial tools & information
Savings Rates
| Description |
Annual Percentage Rate* |
Annual Percentage Yield* |
| Tru Savings Accounts - Regular Share |
0.10% |
0.10% |
|
Tru Checking Accounts
Regular Share Draft
|
0% |
0% |
| Mega Money Draft |
0.25% |
0.25% |
|
Tru Certificates of Deposit (APR/APY)
| Description |
6 Months |
12 Months |
18 Months |
24 Months |
36 Months |
48 Months |
60 Months |
| < $5,000 |
1.94%/1.95% |
2.23%/2.25% |
2.33%/2.35% |
2.43%/2.55% |
2.81%/2.85% |
2.91%/2.95% |
3.00%/3.05% |
| $5,000 - 25,000 |
1.94%/1.95% |
2.23%/2.25% |
2.33%/2.35% |
2.43%/2.55% |
2.81%/2.85% |
2.91%/2.95% |
3.00%/3.05% |
| $25,001 - 50,000 |
1.94%/1.95% |
2.23%/2.25% |
2.33%/2.35% |
2.43%/2.55% |
2.81%/2.85% |
2.91%/2.95% |
3.00%/3.05% |
| $50,001 - 75,000 |
1.94%/1.95% |
2.23%/2.25% |
2.33%/2.35% |
2.43%/2.55% |
2.81%/2.85% |
2.91%/2.95% |
3.00%/3.05% |
$75,000 - 100,000
|
1.94%/1.95% |
2.23%/2.25% |
2.33%/2.35% |
2.43%/2.55% |
2.81%/2.85% |
2.91%/2.95% |
3.00%/3.05% |
| > $100,001 |
1.94%/1.95% |
2.23%/2.25% |
2.33%/2.35% |
2.43%/2.55% |
2.81%/2.85% |
2.91%/2.95% |
3.00%/3.05% |
|
Tru Traditional/Roth IRA Accounts
| Description |
Annual Percentage Rate* |
Annual Percentage Yield* |
| < $14,999 |
0.50% |
0.50% |
$15,000-49,999
|
0.60% |
0.60% |
$50,001-99,999
|
0.65% |
0.65% |
$101,000-149,999
|
0.80% |
0.80% |
| > $150,000 |
0.95% |
0.95% |
|
Tru Club Accounts
| Description |
Annual Percentage Rate* |
Annual Percentage Yield* |
| Christmas Club |
0.25%** |
0.25%** |
| Kid's Club |
0.50%** |
0.50%** |
| Club Savings |
0.10%** |
0.10%** |
|
Tru Super Cash
| Description |
Annual Percentage Rate* |
Annual Percentage Yield* |
| < $5,000 |
0% |
0% |
$5,000 - 49,000
|
0.80% |
0.80% |
$50,000 - 99,999
|
0.90% |
0.90% |
$100,000 - 149,000
|
1.00% |
1.00% |
> $150,000
|
1.10% |
1.10% |
|
Rates shown are effective and accurate as of 01/23/2023 unless otherwise noted.
Fees may reduce the actual APY earnings.
*Rates and Terms are subject to change without notice.
**Balance must be $50 and greater to earn dividends.
***Mega Money accounts only earn dividends when the average daily balance is maintained at a minimum of $5,000.00.
Early withdrawal or closure of any certificate may generate penalty fees.
Loan Rates
Tru Signature Loans
| Loan Type |
Approximate Terms |
APR as low as |
| Unsecured |
24 months |
8.69% |
| Unsecured |
25 - 36 months |
9.09% |
| Unsecured |
37 - 60 months |
9.89% |
| Credit Card - Platinum |
— |
9.50% |
| Credit Card - Business |
— |
9.25% |
| Credit Card - Secured |
— |
11.50% |
| Personal LOC |
— |
14.25% |
|
Tru New Vehicle Loans
| Loan Type |
Approximate Terms |
APR as low as |
Up to 100% financing
(Current Year Or Previous With Less Than 15k Miles) |
24 - 36 months |
4.89% |
|
37 - 60 months |
4.99% |
|
61 - 72 months |
5.09% |
|
73 - 84 months |
6.09% |
|
Tru Used Vehicle Loans
| Loan Type |
Approximate Terms
|
APR as low as |
|
Models
(not over 7 years 2017 - 2021 or 150k miles)
|
24 - 36 months |
5.19% |
|
37 - 48 months |
5.49%
|
|
49 - 60 months |
5.59% |
|
61 - 72 months (2018 - 2022, Minimum $14k) |
5.99% |
|
61 - 72 months (2016 - 2017 Minimum $14k) |
7.29% |
|
Models
(not over 12 years 2011 or 200k miles)
|
24 - 36 months |
7.59% |
|
37 - 48 months |
7.79% |
|
49 - 60 months |
8.09% |
|
Tru Motorcycle & ATV Loans
| Loan Type |
Approximate Terms |
APR as low as |
| New Motorcycles |
Up to 60 months |
5.69% |
|
61 - 72 months |
6.09% |
| Used Motorcycles |
Up to 48 months |
5.99% |
|
49 - 60 months |
6.29% |
|
|
|
| New Model ATV's |
Up to 72 months |
7.49% |
| Used Model ATV's |
Up to 60 months |
8.09% |
|
Tru Boats & Watercraft Loans
| Loan Type |
Approximate Terms |
APR as low as |
| New Models |
Up to 60 months |
5.19% |
|
61 - 120 months |
5.39% |
|
121 - 144 months |
5.89% |
| Used Models |
Up to 60 months |
5.39% |
|
61 - 120 months |
5.99% |
|
Tru Recreational Motor Homes & Camper Loans
| Loan Type |
Approximate Terms |
APR as low as |
| New Models |
Up to 72 months |
5.19% |
|
73 - 120 months |
5.39% |
|
121 - 144 months |
5.89% |
| Used Models |
Up to 72 months
|
5.39% |
|
73 - 120 months
|
5.59% |
|
Tru Personal Equipment Loans
| Loan Type |
Approximate Terms |
APR as low as |
| Lawn Mowers, Farm Equipment |
Up to 60 months |
8.99% |
|
*Interest Rates and Terms are subject to change without notice.
Interest Rates shown are effective as of 12/30/2022 unless otherwise noted.
The ANNUAL PERCENTAGE RATE (APR) you receive for the above sub-accounts will be within the range disclosed above and is based on certain credit-worthiness criteria. Ask your credit union for the rate you qualify for.
